Will-future, going to-future, Simple Present

Lack of a personal relationship
A personal relationship with your bank may be able to offer an advantage over online banking. If you need a business loan, a new line of credit, a waived fee or to make changes to your current banking needs, having that relationship can help.
In-person banking relationships can also help you craft a business account tailored to your specific needs. They can also make notes in your files about cheques, cash deposits and international payments so you can avoid extended holds on your money.
An ideal relationship would be a blend of online banking for your day-to-day transactions and a personal relationship with your banker to assist with bigger needs. That way, you have multiple options to support your business.
Privacy and security concerns
Financial institutions have very good security, but no system is foolproof. Valuable information is always prone to hacks, but you might be able to prevent this if you:

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  Always use the mobile app and the website directly. You should see a small lock to the left of the search bar, which indicates the site is secure.
  
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  Make sure you have a strong password based on a combination of numbers, symbols and letters. It’s also important to change your password regularly.
  
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  Do not click on any links in text messages if you haven’t agreed to that method of communication.
  
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  Use two-step authentication, which adds an extra layer of security.
  

Limited services
Online banking features a lot of services, but some of them still require business owners to go into banks to “wet sign” documents. This includes loan and credit applications, a large cash withdrawal or large deposits. But as online banking technology continues to evolve, you may eventually be able to electronically sign for these in the future.
These days, banks know business owners want the ease and convenience of online banking, so they’re constantly upgrading and improving their digital assets. You may take advantage of this rapidly changing banking technology and tailor an online banking system that is unique to your business needs. If you think online banking could benefit your business, talk to your bank about the time- and cost-saving advantages of going digital.

LESSON 6
TASK 6 .Write an email to your manager proposing the best pricing from the text.

Greetings Mr. Rahmonberdi
My name is Usmonov Maqsad, and I am a business development manager with Bizzy Commercial Floor Care. My objective in sending this email proposal is to decrease the cost of Family Grocer Company’s nightly cleaning service by 15% using only direct hire labor. We can do this within 60 days of proposal acceptance.
Here’s how the transition would be implemented:
First, Bizzy Commercial Floor Care will hire the labor to work in all 36 Georgia stores within 30 days.
Within 60 days, we will deliver on nightly cleaning services, including scrubbing and buffing floors, high dusting and polishing fixtures. We will do this overnight, seven days a week, and Family Grocer Company will have access to a customer service line available for them to dial into at any time if there are issues. I will be your main point of contact throughout this process.
We at Bizzy Commercial Floor Care believe this will solve the issues you discussed in our meeting. First, you said you were concerned with ensuring quality standards are met, but you also want to reduce costs. We are offering our services for $300 a day and will continue services on an ongoing basis.
Thank you for your time. I will follow up in one business day if I haven’t heard from you sooner,
Usmonov Maqsad
Business Development Manager
[phone]

LESSON 7
TASK 7. Write an email to one of the people in 3, giving your recommendations and reasons.

Hannah Lee
1573 Strauss Blvd. | New York, NY 11101 | [e-mail]
July 1, 2019
Pat Smith
ABC, Inc.
5437 Seventh Ave.
New York, NY 11101
Dear Ms. Smith,
I am writing in reference to Armando Harmon. We have been neighbors for the past three years, and I have always known him to be an ambitious and highly motivated person. I believe that his self-starting tendencies and strong vision make him an ideal candidate for the Account Coordinator position at ABC, Inc.
When I met Armando, he had just graduated from New York University and was planning to pursue a Master of Business Administration. We initially connected at a community event, and I could immediately see that he is a driven individual with substantial potential. Over the years, we have volunteered for several neighborhood initiatives, which gave me the opportunity to see his leadership and teamwork skills firsthand. He recently led a community fundraiser, which involved coordinating a project plan, managing a team of 10 people and generating record-breaking contributions.
In the past three years, Armando has also obtained his MBA, completed a professional certification and earned a year of work experience at Lawson Financial. During his time at Lawson, he has progressed from an intern to a junior associate role. His business acumen, strong self-motivation and leadership capabilities make him highly qualified for the Account Coordinator role at ABC, Inc. Given his experience, qualifications and constant improvement, I believe he will be a top performer at your company.
Please let me know if you have any further questions about Armando’s qualifications as I would be glad to provide more insight. I can be reached by phone at 432-216-9946 or email at [e-mail].
Best regards,
Hannah Lee

LESSON 8